Home Insurance in Somerset, Ohio
With a median home value of $225,000, Somerset is 18% higher than the Perry County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Somerset was built around 1952. About 56% of homes were built before 1960, about 21 points above Perry County's 35%.
In Somerset, the housing stock is 75% single-family homes, 10% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 68% of owner-occupied homes in Somerset have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Somerset are owner-occupied.
Most homes in Somerset - 71% - are primarily heated with natural gas.
FEMA rates Perry County's overall risk as Very Low, led by hail (Relatively Low). Perry County had 107 active NFIP flood policies as of September 2026. See the full Perry County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $225,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Perry County | 107 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)